BeliefMedia Simple Accordion

The following section looks at advertisements from successful historic campaigns that had an impact on the manner in which the market perceived their position in the market and helped shape the brands. You should download our Marketing Guide to gain an appreciation of positioning in general and in broader advertising. The most influential advertisements in… [ Learn More ]

I'm exposed to competing definitions of positioning, differentiation, targeting, and points of difference every day, so this article seek to provide a basic understanding of what part each of them plays in your marketing and advertising efforts. The article supports another titled "" that looks at how popular and successful advertising in history might be… [ Learn More ]

How deregulation, securitisation, mortgage management, independent broking and distribution technology created one of the most consequential institutions in Australian finance. Finance aggregation is now part of the institutional infrastructure of Australian lending. It connects thousands of independently owned mortgage and finance broking businesses with banks, non-bank lenders, mortgage managers, insurers, technology providers and regulators. Aggregators… [ Learn More ]

The mortgage broker website framework should be understood as two systems operating at once. On the surface, the architecture of the website tells the story of the business through a compliant public-facing infrastructure that forms the basis of a coherent framework. The page and content architecture gives your website depth, credibility, search value, education value,… [ Learn More ]

Corporate litigation rarely attracts the attention of an entire industry. Most disputes between shareholders remain confined to boardrooms, courtrooms and legal practitioners, carrying little consequence beyond the commercial interests of the parties themselves. Occasionally, however, a case emerges that transcends the immediate dispute, raising broader questions about governance, commercial influence, market structure and the future… [ Learn More ]

The notion of “owning” a client list in mortgage broking is one of the most persistently misunderstood constructs in financial services law. Brokers frequently assume that the client relationship - particularly once initiated through personal rapport and ongoing servicing - attaches to the individual broker rather than the firm. Australian courts have consistently rejected this… [ Learn More ]

There are remarkably few subjects within modern mortgage broking that generate greater uncertainty than the prospect of unsolicited contact. Brokers understand cold calling. They understand digital advertising, social media campaigns, referral arrangements, seminars, direct mail and purchased leads. Yet the question of whether a mortgage broker may physically walk through a neighbourhood and knock on… [ Learn More ]

The increasing digitisation of credit intermediation has produced a structural evolution in how credit assistance is delivered, particularly through embedded third-party forms hosted within broker or aggregator-controlled digital environments. While such arrangements are often presented as operational efficiencies or specialist referral pathways, their legal and regulatory implications under the National Consumer Credit Protection Act 2009… [ Learn More ]

The advertising of mortgage interest rates occupies a unique position within consumer protection law. Unlike most forms of commercial advertising, the promotion of credit products is subject to an unusually prescriptive legislative framework that attempts to reconcile two competing realities. On one hand, consumers require simple and accessible indicators by which to compare competing mortgage… [ Learn More ]

One of the most overlooked requirements in Australian financial advertising is the prohibition on creating a misleading "overall impression" in advertising or during the top-of-funnel subscription experience - even when every individual statement in the ad is technically true... and there's thousands of ads playing out right now that are technically (and usually clearly) illegal.… [ Learn More ]

The level of statistical integration availed to those that use Yabber (and our broker website) was always industry leading. However, with over 100 modules that feed statistical data into our conditional engine, the system started to become fragmented, and with a massive focus on 'behavioural analytics', we determined an update was necessary. System growth led… [ Learn More ]

The Reserve Bank of Australia (RBA) publishes large amounts of data to its website as Excel Spreadsheets, but this method makes advanced queries and analytics difficult to query. For this reason, we synchronise our own systems with every available RBA data source, and we've built an API that return insightful information on current and historical… [ Learn More ]

We've had a large number of people ask us about the AI-driven Licence (and general document) upload form tool lately, so this article serves as a basic introduction. The method of integrating the functionality into general forms, and the client-side upload tools in your client dashboard, will be detailed in our FAQ module, so this… [ Learn More ]

The Athena and associated RSS module dates back to 2007. Previously a Platinum module, we've recently migrated most of the functionality into Yabber for use by clients, and a single page on your website now supports a basic news service. Athena is a news aggregation platform that indexes news via RSS feeds, sitemaps, and general… [ Learn More ]

Last week we introduced the call. We didn't expect the overwhelming response for more information, so in the absence of finalised documentation we'll publish a few articles detailing the most common requests. The request is made when a page is required to be indexed for the first time (or subsequently with the appropriate index or… [ Learn More ]